Loans in Union County, AR: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union County, AR.
The median household in Union County earns $55,259 a year, 9% below the Arkansas median of $60,773. About 20% of residents live below the federal poverty line, and 27.3% of households rent their home. 12.6% of households have no home internet; our form works on any phone.
What you need for a personal loan in Union County
Lenders that serve Union County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Union County
What Union County borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Union County
Payday Loans Not available
Payday lending is effectively prohibited in Arkansas by the state constitution.
Personal Loans
17% a year maximum for non-bank lenders, set by the state constitution.
Title Loans Not available
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Banks and credit unions in Union County
Banks with branches in Union County
19 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Financial Bank | 6 | 300 East Peach Street, El Dorado 71730 |
| Smackover State Bank | 4 | 708 Broadway St, Smackover 71762 |
| Simmons Bank | 3 | 100 W Grove St, El Dorado 71730 |
| The Huntington National Bank | 2 | 101 W Main St, El Dorado 71730 |
| Southern Bancorp Bank | 2 | 2421 N West Ave, El Dorado 71730 |
| Regions Bank | 1 | 100 E Peach St, El Dorado 71730 |
| Generations Bank | 1 | 131 N Main St, Junction City 71749 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Union County
3 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Red River Employees | 2001 N West Ave, El Dorado 71730 |
| River Valley Community | 2416 N West Ave, El Dorado 71730 |
| Lion | 1580 Haynesville Hwy, El Dorado 71730 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Union County
All Arkansas counties and cities
Frequently asked questions
Are payday loans legal in Union County?
Union County follows Arkansas law. Payday lending is effectively prohibited in Arkansas by the state constitution.
Are title loans legal in Union County?
The same 17% constitutional cap applies to car-title loans from non-bank lenders.
Where can I get a small loan in Union County?
Options include 19 bank and 3 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Union County?
Fill out our short online form from anywhere in Union County. We share it with lenders in our network that serve Arkansas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I apply for a loan online in Union County?
Yes. You don't need to visit a branch or storefront anywhere in Union County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Arkansas. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Can I get a loan in Union County with bad credit?
Yes, many lenders in our network work with Union County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Union County, AR?
You can apply at banks, credit unions and lenders in Union County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Arkansas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Union County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Union County residents can start any time, and it takes about 3 minutes.